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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $171,346 | $102,429+67.3% | $147,096+16.5% | $80,925+111.7% |
| Participation rate | 69.1% | 75.9%-6.8pp | 82.2%-13.1pp | 67.7%+1.4pp |
| Annual return | 14.75% | 135.02%-120.3pp | 419.75%-405.0pp | 35.65%-20.9pp |
| Employer contribution / active EE | $1,662 | $3,716-55.3% | $4,936-66.3% | $2,756-39.7% |
| Participant deferral / active EE | $11,203 | $6,649+68.5% | $8,071+38.8% | $4,299+160.6% |
| Admin fee / account holder | $3,240 | $7,957-59.3% | $13,005-75.1% | $6,940-53.3% |